PMMA-12791 The Dynamics of Microcredit Borrowings in Cambodia


We employ 2011–2014 panel data of eleven villages in Cambodia to investigate the impact of microcredit access on paddy quantity and income, expenditure on inputs of paddy production, and self-employment income. The panel data enables us to implement difference-in-differences and triple differences estimators. We find that credit participants experience a 26.1% increase in paddy income, a 68.9% in paddy quantity and a 26.5% in expenditure on inputs of paddy production. Poorer households benefit more from credit participation. Participants also experience increased non-land durable assets relative to those of non-participants, particularly agricultural assets. We find weak evidence that women participants benefit more from credit program than male counterparts. Although women are more likely to start self-employment activities with loans—mainly in the informal sector—the income gains are not statistically different from zero relative to what men earn. Keywords: multiple-source borrowing, microcredit, Cambodia, formal and informal


Project leader: Vathana Roth

Project researchers: Bopharath Sry | PHANN Dalis | Dorina Pon

Scientific mentors: Abdelkrim Araar | Luca Tiberti

Journal publication

No journal publications.

Working Papers

Title Modified Size Comments Recommendations
The dynamics of microcredit borrowings in Cambodia 2017-03-24 2.32MB 0 0

Policy Briefs

Title Modified Size Comments Recommendations
Impact of microcredit borrowing on wellbeing in Cambodia 2017-02-18 423.21kB 0 0

Final report

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2016-09-02 716.55KB 0 1


Title Modified Size Comments Recommendations
2015-05-29 761.98KB 0 0

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